Study On Sustainable Development Of Rural Micro-finance Of Postal Savings Bank Of China

The Postal Savings Bank of china since its inception based on the service "three rural" market positioning, Actively explore a rural finance with Chinese characteristics of the road, Efforts to construct a financial industry and the "three rural" win-win profit model. Since2007, China Postal Savings Bank pilot offer "good by good also" micro-lending business since, After five years time, Postal savings bank microfinance business achieved good results, Effectively serve the "three rural", For the majority of financial services in rural areas, But also for the overall transformation of the Postal Savings Bank has played an important role. However, with the continuous development of big business, In some provinces and cities microfinance business development has entered a bottleneck, Slowdown in business development, Rising non-performing loan ratio, And declining asset quality problems began plaguing the Postal Savings Bank. How China Postal Savings Bank Rural microfinance sustainable development, Postal Savings Bank has become the urgent need to address the problem.Postal Savings Bank of sustainable development is not only refers to the rural micro-lending operations and rural microfinance institutions Persistence, Also including rural microfinance market share continues to grow, Also includes rural micro-credit through financial innovation and product innovation to achieve enhanced ability to adapt to market demand process. From the current postal savings bank run by rural micro-lending business perspective, Fixed interest rates, short-term loans, the amount is small, positive group guarantee has not been effectively play the role of other issues, Agricultural production, coupled with inherent risk, price volatility, farmers own weak anti-risk ability, as well as farmers own credit awareness is not strong, because of poor economic strength, Account Manager Business Credit quality is not high, the risk prevention capability is not strong, and poor awareness of risk prevention so difficult sustainable development of rural microfinance. In this paper, starting from the definition of rural microfinance, Through the development of domestic and international experience in microfinance contrast, Postal Savings Bank of China Rural Microfinance Development trajectory analysis, The use of case studies, comparative analysis and statistical methods described in other ways, Research constraints the factor of china Postal Savings Bank microfinance sustainable development, And how to promote the China Postal Savings Bank microfinance sustainable development put forward corresponding countermeasures and suggestions.